Commercial insurance for Texas contractors and businesses
DBKS Insurance helps contractors and small businesses across Texas put the right coverage in place, control workers' comp costs, and become bond-eligible for public work.
Take the free Contractor Bid-Readiness CheckCoverage
Workers' Compensation
Coverage for employee injuries, with attention to your experience mod and the factors that drive premium.
General Liability
Protection against third-party injury and property damage claims, written to meet contract requirements.
Commercial Auto
Coverage for trucks, vans, and other vehicles your business owns or uses.
Surety Bonds
Bid, performance, and payment bonds, plus help preparing for surety prequalification.
Bidding public work?
Two things often decide whether you can bid, and how competitive you are: your workers' comp experience mod (X-mod) and whether you can get bonded. As a general benchmark, a mod around 0.85 is competitive, while a mod of 1.10 can hurt you on bids and premiums.
The Bid-Readiness Check takes about two minutes on your phone.
Start the checkAbout
DBKS Insurance is an independent agency based in Austin, TX, owned and run by Danny DeBeikes, a Texas-licensed property and casualty producer focused on commercial clients.